Privacy Policy

Privacy Policy

1. Who We Are & Scope of This Policy

AL STOCK TRADES is an educational publisher operating online financial education products and software. For purposes of applicable data protection laws, AL STOCK TRADES is the “data controller” (under the EU/UK General Data Protection Regulation, “GDPR”) and the “business” (under the California Consumer Privacy Act / California Privacy Rights Act, “CCPA/CPRA”) responsible for the processing of personal information described herein.

This Policy applies to all personal information we collect through the Platform. It does not apply to third-party websites, services, or applications that may be linked to or referenced by the Platform, even if accessed through the Platform.

2. Information We Collect

2.1 Information You Provide Directly

We collect information you voluntarily provide when interacting with the Platform, including:

• Account & registration data: legal name, email address, mailing address, phone number, username, password (hashed), account preferences;
• Payment data: billing address and payment method details (note: full credit card numbers are processed by our third-party payment processors and are not stored on our servers);
• Communications: support inquiries, emails, chat messages, feedback, testimonials, and other correspondence;
• Community / Discord data: Discord username, user ID, and any content you post in our Discord server or community features;
• Course & usage submissions: any data, inputs, or content you submit while using software tools, models, scanners, or courses on the Platform;
• Marketing preferences: email subscription status, content preferences, and opt-out elections.

2.2 Information Collected Automatically

When you access the Platform, we (and our service providers) automatically collect certain information, including:

• Device & technical data: IP address, browser type and version, operating system, device identifiers, screen resolution, language preference, time zone;
• Usage data: pages visited, features used, click patterns, session duration, referral URLs, search terms used within the Platform, frequency and time of access;
• Log data: server logs, error reports, performance data, security events;
• Cookies, pixels, and similar technologies: see Section 7 below.

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Payment processors confirming successful transactions or chargebacks;
• Analytics providers and advertising partners providing aggregate or anonymized data;
• Identity verification services (if applicable);
• Public sources, social media platforms, or referral partners;
• Customer support tools and email service providers.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide and operate the Platform: account creation, authentication, payment processing, content delivery, software functionality, customer support, and order fulfillment;
• To communicate with you: respond to inquiries, send transactional messages (purchase confirmations, password resets, account notices), send service updates, and (with your consent or where permitted) marketing communications;
• To improve and personalize the Platform: analyze usage, develop new features, debug issues, and tailor content to user preferences;
• For analytics, research, and aggregate reporting: measure engagement and Platform performance using aggregated and de-identified data;
• For security, fraud prevention, and abuse detection: detect account sharing, unauthorized access, scraping, AI training abuse, payment fraud, or violations of our Terms of Use;
• For legal and compliance purposes: comply with applicable laws, respond to lawful requests from authorities, enforce our Terms of Use, and protect our rights and the rights of others;
• For business operations: bookkeeping, tax compliance, risk management, and corporate transactions.

4. Legal Bases for Processing (EU/UK Users)

If you are located in the European Economic Area, the United Kingdom, or Switzerland, we process personal information under one or more of the following legal bases:

• Contract performance: processing necessary to provide the Platform and fulfill our obligations under our Terms of Use;
• Legitimate interests: our legitimate business interests in operating, securing, improving, and marketing the Platform, where such interests are not overridden by your privacy rights;
• Consent: where you have given us specific consent (e.g., marketing emails, optional cookies);
• Legal obligation: compliance with applicable laws, regulations, and legal processes.

5. How We Share Your Information

We do not sell your personal information for monetary consideration. However, we may share your information in the following circumstances:

5.1 Service Providers

We share information with trusted third-party service providers who perform services on our behalf, subject to confidentiality obligations. These include:

• Hosting and cloud infrastructure providers;
• Payment processors and payment gateways;
• Email service providers and marketing platforms;
• Customer support and helpdesk tools;
• Analytics and usage measurement providers;
• Discord and community platform providers;
• Course delivery and content hosting platforms;
• Security, fraud detection, and anti-abuse services;
• Accounting, bookkeeping, tax, and legal advisors.

5.2 Legal Compliance & Protection

We may disclose information when we believe in good faith that disclosure is necessary to: (a) comply with applicable law, regulation, subpoena, court order, or other legal process; (b) enforce our Terms of Use or other agreements; (c) detect, prevent, or address fraud, abuse, security issues, or technical issues; (d) protect the rights, property, or safety of AL STOCK TRADES, our users, or the public; or (e) respond to lawful requests from public authorities, including for national-security or law-enforcement purposes.

5.3 Business Transfers

If AL STOCK TRADES is involved in a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or similar transaction, your information may be transferred or disclosed as part of that transaction, subject to confidentiality protections and applicable law.

5.4 With Your Consent

We may share information with third parties when you direct or consent to such sharing.

5.5 Aggregated & De-Identified Data

We may share aggregated, anonymized, or de-identified data that cannot reasonably be used to identify you for any purpose, including analytics, research, marketing, and Platform improvement. Such data is not considered personal information under this Policy.

6. “Selling” or “Sharing” Personal Information

Some U.S. state laws (including CCPA/CPRA) define “selling” or “sharing” personal information broadly to include certain transfers for advertising purposes, even without monetary exchange. We do not sell personal information for money. However, certain interactions with advertising and analytics partners (such as cookies and pixels for cross-context behavioral advertising) may be considered “sharing” or “selling” under these laws. You may opt out by following the instructions in Section 13 below.

7. Cookies & Tracking Technologies

We and our third-party service providers use cookies, pixels, web beacons, local storage, and similar technologies (“Cookies”) on the Platform. Cookies fall into the following categories:

• Strictly necessary: required for core Platform functions such as authentication, security, and load balancing;
• Functional: remember preferences (language, region, display);
• Analytics & performance: measure how users interact with the Platform (e.g., Google Analytics or similar tools);
• Marketing & advertising: deliver relevant content and measure marketing effectiveness, including potential cross-context behavioral advertising.

You can manage Cookies through your browser settings or, where available, through our cookie preference tool. Disabling certain Cookies may affect Platform functionality. Continued use of the Platform with Cookies enabled in your browser indicates consent where consent is required.

8. Third-Party Services & Links

The Platform may contain links to, or integrations with, third-party websites, services, or applications (including Discord, payment processors, brokerage links, and partner sites). This Policy does not apply to those third parties. We are not responsible for the privacy practices, content, or security of any third-party service. We encourage you to review the privacy policies of any third party before providing them with personal information.

9. Data Retention

We retain personal information only as long as reasonably necessary to fulfill the purposes for which it was collected, including:

• Providing the Platform and maintaining your account;
• Complying with legal, accounting, tax, regulatory, and reporting obligations;
• Resolving disputes, defending against claims, and enforcing our agreements;
• Preventing fraud, abuse, and security incidents.

Specific retention periods vary based on the nature of the information and applicable legal requirements. When personal information is no longer needed, we will delete, anonymize, or securely destroy it. Backup copies, archived logs, and data retained for legal-compliance purposes may persist for additional periods.

10. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, and destruction. These include encryption in transit (HTTPS / TLS), access controls, authentication requirements, and regular review of security practices.

However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security. You are responsible for keeping your account credentials confidential and for any activity occurring under your account. You must notify us immediately of any suspected unauthorized access or security breach involving your account.

11. International Data Transfers

AL STOCK TRADES operates from the United States. If you access the Platform from outside the United States, your personal information may be transferred to, stored, and processed in the United States or other jurisdictions where data protection laws may differ from those in your country.

Where required by law (such as GDPR), we implement appropriate safeguards for international transfers, including Standard Contractual Clauses (SCCs) approved by the European Commission, the UK International Data Transfer Agreement, or other lawful transfer mechanisms. By using the Platform, you consent to the transfer of your information to the United States and other jurisdictions in accordance with this Policy.

12. Your Privacy Rights — General

Depending on your location and applicable law, you may have the following rights with respect to your personal information:

• Right to know / access: request information about what personal data we hold about you;
• Right to correct / rectify: request correction of inaccurate or incomplete information;
• Right to delete / erase: request deletion of your personal information, subject to legal exceptions;
• Right to restrict or object to processing: ask us to limit or stop certain processing activities;
• Right to data portability: receive your information in a structured, machine-readable format;
• Right to withdraw consent: revoke any consent you previously gave (without affecting prior lawful processing);
• Right to opt out of marketing: unsubscribe from marketing communications at any time;
• Right to non-discrimination: not be discriminated against for exercising your privacy rights.

To exercise these rights, contact us at al@alstocktrades.com. We may need to verify your identity before processing your request. We will respond within the timeframe required by applicable law.

13. California Resident Rights (CCPA/CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act:

• Right to know what personal information we collect, use, disclose, sell, or share;
• Right to delete personal information we have collected, subject to legal exceptions;
• Right to correct inaccurate personal information;
• Right to opt out of “selling” or “sharing” personal information for cross-context behavioral advertising;
• Right to limit use of sensitive personal information;
• Right to non-discrimination for exercising your CCPA/CPRA rights.

To exercise CCPA/CPRA rights, email al@alstocktrades.com with the subject line “California Privacy Request.” We may verify your identity by requesting matching information you previously provided. You may also designate an authorized agent to make a request on your behalf, subject to applicable verification rules.

“Shine the Light” (Cal. Civ. Code § 1798.83): California residents may also request information about disclosures of personal information to third parties for direct-marketing purposes during the prior calendar year. We do not currently disclose personal information to third parties for their direct-marketing purposes.

14. EU/UK Resident Rights (GDPR)

If you are located in the European Economic Area, the United Kingdom, or Switzerland, you have the following rights under GDPR or equivalent law:

• Right of access to your personal data;
• Right to rectification of inaccurate data;
• Right to erasure (“right to be forgotten”), subject to exceptions;
• Right to restrict processing;
• Right to data portability;
• Right to object to processing based on legitimate interests or for direct-marketing purposes;
• Right not to be subject to a decision based solely on automated processing that produces legal or similarly significant effects;
• Right to withdraw consent at any time;
• Right to lodge a complaint with a supervisory authority in your country of residence, place of work, or place where the alleged infringement occurred.

To exercise these rights, contact al@alstocktrades.com.

15. Other U.S. State Rights

Residents of certain other U.S. states — including Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Texas (TDPSA), Oregon, Montana, Iowa, and others — may have rights similar to those described in Sections 12 and 13, including the right to know, delete, correct, opt out of certain processing, and appeal a denial of a request. To exercise these rights, contact al@alstocktrades.com with your state of residence and the specific request. We will respond within the timeframe required by applicable law.

16. Children’s Privacy

The Platform is not intended for, and is not directed at, children under the age of eighteen (18). We do not knowingly collect personal information from individuals under 18. We do not knowingly collect personal information from children under 13 within the meaning of the U.S. Children’s Online Privacy Protection Act (COPPA) or under 16 within the meaning of GDPR. If you believe we have inadvertently collected information from a minor, contact us at al@alstocktrades.com and we will take steps to delete such information.

17. Do Not Track Signals

Some browsers offer a “Do Not Track” (“DNT”) signal. There is no industry-accepted standard for responding to DNT signals, and we currently do not respond to DNT signals from web browsers. You may, however, opt out of certain tracking through cookie controls described in Section 7 and through CCPA/CPRA opt-out mechanisms in Section 13.

18. Marketing Communications & Unsubscribe

If you have given us consent to send marketing emails, you may opt out at any time by:

• Clicking the “unsubscribe” link in any marketing email;
• Updating your preferences in your account settings (if available); or
• Emailing al@alstocktrades.com with the request “Unsubscribe.”

Even after opting out of marketing, we may continue to send transactional or service-related communications (such as purchase confirmations, security alerts, and policy notices), as these are necessary for the Services.

19. Sensitive Personal Information

We do not knowingly collect “sensitive” personal information (such as government identifiers, precise geolocation, racial or ethnic origin, religious beliefs, health data, or biometric identifiers) except where required for legal compliance, fraud prevention, or with your explicit consent. Where we do collect such information, we use it solely for the purposes for which it was collected, in accordance with applicable law.

20. Automated Decision-Making

We do not engage in automated decision-making that produces legal or similarly significant effects on you within the meaning of GDPR Article 22. Some Platform features, models, or scanners may use algorithmic processing for educational analysis, but these outputs are illustrative and not used to make decisions that legally or significantly affect users.

21. Aggregated & De-Identified Data

We may aggregate, anonymize, or de-identify personal information so that it can no longer reasonably be used to identify you. This Policy does not restrict our use of aggregated or de-identified data, and we may use, sell, or disclose such data for any lawful purpose.

22. Third-Party Payment Processors

Payments for our products and services are processed by third-party payment processors. We do not directly store your full credit card number or full payment account credentials. Information you provide to a payment processor is governed by that processor’s privacy policy. We may receive limited information from the processor (such as transaction confirmation, last four digits of card, billing zip code) for fraud prevention and accounting purposes.

23. No Sale of Personal Information for Money

For the avoidance of doubt: AL STOCK TRADES does not sell personal information in exchange for monetary consideration. We do not rent or trade personal information. As noted in Section 6, certain advertising-cookie interactions may be deemed “sharing” or “selling” under broad statutory definitions, and you may opt out under Section 13.

24. Security Incident Notification

If we determine that a security incident affecting your personal information has occurred, we will notify affected users in accordance with applicable law. Notification methods may include email to your registered address, in-Platform notice, or other reasonable means. Notification timing and content will comply with applicable breach-notification laws in your jurisdiction.

25. Limitation of Liability for Privacy Claims

To the maximum extent permitted by applicable law, your sole and exclusive remedy for any claim arising under this Privacy Policy is governed by the Limitation of Liability provisions of our Terms of Use, which are incorporated herein by reference. Nothing in this Policy creates additional liability beyond what is set forth in our Terms of Use.

26. Changes to This Privacy Policy

We may update this Privacy Policy at any time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will post the updated Policy on the Platform and update the effective date. For material changes, we may also provide additional notice (such as email or in-Platform notification). It is your responsibility to review this Policy periodically. Your continued use of the Platform after the effective date of any update constitutes your acceptance of the updated Policy.

27. Contact Us

For questions, concerns, or requests regarding this Privacy Policy or our data practices, contact:

AL STOCK TRADES
Privacy & Data Requests
Email: al@alstocktrades.com

We will respond to verifiable requests within the timeframe required by applicable law.

28. Acknowledgment

By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to this Privacy Policy. If you do not agree with any provision of this Policy, your sole remedy is to discontinue use of the Platform.